The Warm Homes Loan for landlords
Last reviewed: 20 July 2026
Private landlords borrowing in their own name can use the Warm Homes Loan for heat pumps, solar and batteries, at a rate up to 5 points below market. It is one of the few routes that funds landlord improvements directly, which makes it useful ahead of tightening minimum EPC standards.
Minimum EPC standards, and why they matter
The current minimum EPC to let a home in England and Wales is band E. A rise to band C by 2030 is widely expected for the private rented sector, but it is still at consultation stage and not yet law. Planning towards band C now protects your ability to keep letting, and spreads the cost before any deadline arrives.
What the loan covers for you
The same measures apply as for owner-occupiers: heat pumps up to £20,000, solar and batteries up to £15,000 each, and ground source up to £35,000. For a heat pump in England or Wales you can also claim the £7,500 Boiler Upgrade Scheme grant.
The loan does not cover insulation or glazing. Those often do the most to lift an EPC, so many landlords will pair loan-funded measures with self-funded fabric work. The planner below splits the cost for you.
Sources
- DESNZ Warm Homes Loan Scheme Scheme Rules, June 2026, via GOV.UK
- GOV.UK Private Rented Sector minimum energy efficiency standards consultation
Last reviewed: 20 July 2026
Know the day the loans go live
The Warm Homes Loan Scheme is expected to open to the public in September 2026. Join the list and we will email you when lenders open, with occasional funding updates in between.